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Trupanion, Inc. TRUP
Financial Services - Insurance - Specialty - NASDAQ - US
Watchlist
$ 56.05
2.45 %
$ 2.4 B
Market Cap
-560.5
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one TRUP stock under the worst case scenario is HIDDEN Compared to the current market price of 56 USD, Trupanion, Inc. is HIDDEN

TRUP Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one TRUP stock under the base case scenario is HIDDEN Compared to the current market price of 56 USD, Trupanion, Inc. is HIDDEN

TRUP Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one TRUP stock under the best case scenario is HIDDEN Compared to the current market price of 56 USD, Trupanion, Inc. is HIDDEN

TRUP Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart TRUP

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1M 17%
6M 10%
1Y 91%
3Y -8%
5Y 33%
All
$60.0$60.0$55.0$55.0$50.0$50.0$45.0$45.0$40.0$40.0$35.0$35.0$30.0$30.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
1.29 B REVENUE
15.97%
Growth Rates
1Year 15.97%
3Years 22.52%
5Years 27.34%
7Years 26.90%
10Years 27.20%
-9.51 M OPERATING INCOME
76.60%
Growth Rates
1Year 76.60%
3Years 35.24%
5Years -100.86%
7Years -20.09%
10Years 5.03%
-9.63 M NET INCOME
78.45%
Growth Rates
1Year 78.45%
3Years 35.28%
5Years -39.72%
7Years -30.39%
10Years 7.57%
48.3 M OPERATING CASH FLOW
159.08%
Growth Rates
1Year 159.08%
3Years 86.38%
5Years 24.48%
7Years 25.83%
10Years 20.53%
-13.5 M INVESTING CASH FLOW
-176.16%
Growth Rates
1Year -176.16%
3Years 36.24%
5Years 13.64%
7Years -0.43%
10Years -1.22%
-3.96 M FINANCING CASH FLOW
-6.69%
Growth Rates
1Year -6.69%
3Years -52.08%
5Years -5.09%
7Years -8.58%
10Years -0.63%
342 M REVENUE
1.38%
Growth Rates
1Year 15.97%
3Years 22.52%
5Years 27.34%
7Years 26.90%
10Years 27.20%
-1.17 M OPERATING INCOME
-335.63%
Growth Rates
1Year 76.60%
3Years 35.24%
5Years -100.86%
7Years -20.09%
10Years 5.03%
-1.48 M NET INCOME
-89.55%
Growth Rates
1Year 78.45%
3Years 35.28%
5Years -39.72%
7Years -30.39%
10Years 7.57%
16 M OPERATING CASH FLOW
-32.65%
Growth Rates
1Year 159.08%
3Years 86.38%
5Years 24.48%
7Years 25.83%
10Years 20.53%
-8.97 M INVESTING CASH FLOW
-48.62%
Growth Rates
1Year -176.16%
3Years 36.24%
5Years 13.64%
7Years -0.43%
10Years -1.22%
-459 K FINANCING CASH FLOW
72.58%
Growth Rates
1Year -6.69%
3Years -52.08%
5Years -5.09%
7Years -8.58%
10Years -0.63%
Balance Sheet Trupanion, Inc.
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Current Assets 597 M
Cash & Short-Term Investments 307 M
Receivables 274 M
Other Current Assets 15.9 M
Non-Current Assets 210 M
Long-Term Investments 373 K
PP&E 102 M
Other Non-Current Assets 107 M
38.10 %33.96 %12.67 %13.26 %Total Assets$806.9m
Current Liabilities 350 M
Accounts Payable 11.5 M
Short-Term Debt 1.35 M
Other Current Liabilities 337 M
Non-Current Liabilities 134 M
Long-Term Debt 128 M
Other Non-Current Liabilities 6.42 M
69.63 %26.37 %Total Liabilities$483.6m
EFFICIENCY
Earnings Waterfall Trupanion, Inc.
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Revenue 1.29 B
Cost Of Revenue 1.11 B
Gross Profit 179 M
Operating Expenses 188 M
Operating Income -9.51 M
Other Expenses 119 K
Net Income -9.63 M
1b1b1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)1b(1b)179m(188m)(10m)(119k)(10m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
13.91% GROSS MARGIN
13.91%
Averages
1Year 13.91%
3Years 13.07%
5Years 14.09%
7Years 14.90%
10Years 15.69%
-0.74% OPERATING MARGIN
-0.74%
Averages
1Year -0.74%
3Years -3.04%
5Years -3.00%
7Years -2.20%
10Years -3.15%
-0.75% NET MARGIN
-0.75%
Averages
1Year -0.75%
3Years -3.24%
5Years -3.19%
7Years -2.39%
10Years -3.27%
-2.98% ROE
-2.98%
Averages
1Year -2.98%
3Years -10.78%
5Years -8.95%
7Years -6.68%
10Years -10.32%
-1.19% ROA
-1.19%
Averages
1Year -1.19%
3Years -4.52%
5Years -4.21%
7Years -3.17%
10Years -5.62%
-2.07% ROIC
-2.07%
Averages
1Year -2.07%
3Years -7.51%
5Years -6.85%
7Years -5.02%
10Years -8.73%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Trupanion, Inc.
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40m40m30m30m20m20m10m10m00(10m)(10m)(20m)(20m)(30m)(30m)(40m)(40m)(50m)(50m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -9.63 M
Depreciation & Amortization 16.5 M
Capital Expenditures -9.72 M
Stock-Based Compensation 33.4 M
Change in Working Capital 4.47 M
Others 12.7 M
Free Cash Flow 38.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Trupanion, Inc.
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Wall Street analysts predict an average 1-year price target for TRUP of $50.6 , with forecasts ranging from a low of $40 to a high of $57 .
TRUP Lowest Price Target Wall Street Target
40 USD -28.64%
TRUP Average Price Target Wall Street Target
50.6 USD -9.72%
TRUP Highest Price Target Wall Street Target
57 USD 1.69%
Price
Max Price Target
Min Price Target
Average Price Target
60605555505045454040353530302525Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
5. COMPETITION
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6. Ownership
Insider Ownership Trupanion, Inc.
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Sold
0-3 MONTHS
789 K USD 4
3-6 MONTHS
1.08 M USD 6
6-9 MONTHS
1.88 M USD 6
9-12 MONTHS
405 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Trupanion Announces Winners of the Veterinary Appreciation Day™ Awards Trupanion reveals 12 winners, following thousands of nominations from veterinary professionals, pet parents, and pet lovers Trupanion reveals 12 winners, following thousands of nominations from veterinary professionals, pet parents, and pet lovers globenewswire.com - 1 week ago
5 Accident & Health Insurance Stocks to Watch as Exposure Increases Accident & Health Insurers AFL, UNM, TRUP, GL and AMSF are set to gain from rising underwriting exposure, despite ongoing pricing pressure. zacks.com - 2 weeks ago
Trupanion (TRUP) Upgraded to Buy: What Does It Mean for the Stock? Trupanion (TRUP) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 2 weeks ago
Trupanion to Present at the William Blair 45th Annual Growth Stock Conference SEATTLE, May 28, 2025 (GLOBE NEWSWIRE) -- Trupanion, Inc. (Nasdaq: TRUP), a leader in medical insurance for cats and dogs, announced today that Margi Tooth, Chief Executive Officer and President, will present at the William Blair 45th Annual Growth Stock Conference on Tuesday, June 3, 2025, at 3:20 p.m. CT and will participate in meetings with investors throughout the day. globenewswire.com - 1 month ago
Top Animal Health Experts Address H5N1 Bird Flu in Trupanion Webinar Panelists from the American Veterinary Medical Association, World Small Animal Veterinary Association One Health Committee, and others will share critical updates on H5N1 bird flu Panelists from the American Veterinary Medical Association, World Small Animal Veterinary Association One Health Committee, and others will share critical updates on H5N1 bird flu globenewswire.com - 1 month ago
Wall Street Analysts Believe Trupanion (TRUP) Could Rally 50.25%: Here's is How to Trade The mean of analysts' price targets for Trupanion (TRUP) points to a 50.3% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock. zacks.com - 1 month ago
Trupanion, Inc. (TRUP) Q1 2025 Earnings Call Transcript Trupanion, Inc. (NASDAQ:TRUP ) Q1 2025 Earnings Conference Call May 1, 2025 4:30 PM ET Company Participants Gil Melchior - Director of Investor Relations Margi Tooth - President & Chief Executive Officer Fawwad Qureshi - Chief Financial Officer Conference Call Participants Brandon Vazquez - William Blair Jonathan Block - Stifel John Barnidge - Piper Sandler Katie Sakys - Autonomous Research Wilma Burdis - Raymond James Josh Shanker - Bank of America Operator Good day and welcome to the Trupanion First Quarter 2025 Earnings Conference Call. All participants will be in listen-only mode. seekingalpha.com - 1 month ago
Trupanion (TRUP) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for Trupanion (TRUP) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 1 month ago
Trupanion (TRUP) Reports Q1 Loss, Tops Revenue Estimates Trupanion (TRUP) came out with a quarterly loss of $0.03 per share versus the Zacks Consensus Estimate of a loss of $0.04. This compares to loss of $0.16 per share a year ago. zacks.com - 1 month ago
Trupanion Reports First Quarter 2025 Results SEATTLE, May 01, 2025 (GLOBE NEWSWIRE) -- Trupanion, Inc. (Nasdaq: TRUP), a leading provider of medical insurance for cats and dogs, today announced financial results for the first quarter ended March 31, 2025. “Q1 was a strong start to the year, with performance ahead of plan across key metrics,” said Margi Tooth, Chief Executive Officer and President of Trupanion. globenewswire.com - 1 month ago
Trupanion Publishes 2024 Annual Letter to Shareholders SEATTLE, April 30, 2025 (GLOBE NEWSWIRE) -- Trupanion, Inc. (Nasdaq: TRUP), a leader in medical insurance for cats and dogs, has published its 2024 annual shareholder letter from CEO and President, Margi Tooth. The letter is now available on the Company's Investor Relations website here. globenewswire.com - 1 month ago
Trupanion (TRUP) Expected to Beat Earnings Estimates: Should You Buy? Trupanion (TRUP) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
8. Profile Summary

Trupanion, Inc. TRUP

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COUNTRY US
INDUSTRY Insurance - Specialty
MARKET CAP $ 2.4 B
Dividend Yield 0.00%
Description Trupanion, Inc., together with its subsidiaries, provides medical insurance for cats and dogs on a monthly subscription basis in the United States, Canada, Puerto Rico, and Australia. The company operates in two segments, Subscription Business and Other Business. It serves pet owners and veterinarians. The company was formerly known as Vetinsurance International, Inc. changed its name to Trupanion, Inc. in 2013. The company was founded in 2000 and is headquartered in Seattle, Washington.
Contact 6100 4th Avenue South, Seattle, WA, 98108 https://www.trupanion.com
IPO Date July 18, 2014
Employees 1130
Officers Mr. Fawwad Qureshi Chief Financial & Information Officer Ms. Bradley Lamb Head of Conversion Dr. Steve Weinrauch BVMS, MRCVS Executive Vice President of North America & Veterinary Strategy Ms. Brenna McGibney Chief Administrative Officer Ms. Laura Bainbridge Senior Vice President of Corporate Corporations & Head of Investor Relations Mr. John Gallagher Chief Operating Officer Mr. Steve Ireland Senior Vice President of Marketing Mr. Christopher John Kearns Chief Legal Officer Mr. Darryl Graham Andrew Rawlings Founder & Chair of the Board Ms. Margaret Rosemary Maria Tooth President, Chief Executive Officer & Director